5 Ways to Start Using AI In Your Claims Today

AI isn’t the future of claims — it’s already transforming it. If you’re on a claims desk today, you’re likely dealing with tight timelines, compliance pressure, and rising customer expectations. You’ve probably heard that AI can help, but it’s okay to still wonder, “How can I actually use AI in my day-to-day?”

This guide shows you exactly how to use AI — including ChatGPT — to save time, reduce error rates, and improve customer satisfaction.

Why AI Matters for Claims Pros Right Now

Claims professionals are at the epicenter of transformation in insurance. According to McKinsey, claims is the function most likely to be automated in the next decade.

But that doesn’t mean your role is disappearing it means it’s evolving and AI is here to help you:

• Speed up low-value tasks so you can focus on complex decision-making
• Enhance accuracy and consistency across communications and documentation
• Improve customer interactions by offering faster, smarter service

A 2024 Deloitte study showed that insurers using AI-assisted claims triage reduced cycle time by up to 40% while improving claimant satisfaction scores.

7 Ways to Use AI (and ChatGPT) Every Day for Claims Management

Let’s dive into real-world applications you can start using today:

Drafting Claim Summaries & Letters Faster:

Use ChatGPT to instantly draft, denial or acceptance letters, subrogation notices, case status updates and claim summaries for supervisor. Here is a prompt example you can input directly into ChatGPT: “Write a clear and professional claim denial letter for a property damage claim. Reason: insufficient coverage under the named peril policy.”

Automating Claims Triage:

Tools like Sprout.ai and Shift Technology use NLP and machine learning to scan FNOLs (First Notice of Loss), classify claim types, and flag potentially fraudulent claims resulting in faster triage, fewer errors, and improved workload distribution.

Summarizing Long Reports and Attachments:

Claims often involve police reports, repair estimates, or medical records. ChatGPT or tools like Harvey AI and Microsoft Copilot can summarize key facts, extract a timeline of events, and highlight inconsistencies. Here is an easy prompt example: “Summarize this 6-page repair estimate and highlight total cost, damaged components, and recommended next steps.”

Policy Interpretation & Quick Comparisons:

Claims require constant reference to policy wording. Upload policy PDFs to tools like Claude or ChatGPT with file upload, then ask: “Is this damage covered under Section B?” “What’s the waiting period for BI coverage?” AI can’t replace legal review but it can be an additional tool.

Detecting Potential Fraud Patterns:

AI-driven fraud detection platforms like FRISS and Shift Technology analyze massive data sets to spot anomalies, detect claim linkages across systems, and flag suspicious behavior early.

Top AI Tools for Claims Pros in 2025

Get Started With Low-Risk Strategies

If your desk isn’t yet AI-enabled, start small:

• Use ChatGPT for writing and summarization
• Automate repetitive tasks like letters or notes
• Ask your IT or innovation team about AI pilots
• Use AI to build your own “personal assistant”

Pro tip: Keep a “Claims AI Prompt Library” with your best-performing prompts!

The real question isn’t whether to use Artificial Intelligence, but how to use it well. Your experience and judgment still matter most, but AI can take care of the repetitive stuff so you can focus on what really needs your attention. Just a few minutes a day with tools like ChatGPT can save hours from your week.

Read through our full blog library for more tips on how to use AI and Open-Source Intelligence!

Check out our sources:

McKinsey & Co. – The Future of Claims

Deloitte – Insurance Industry Outlook 2024

OpenAI, Anthropic (ChatGPT & Claude documentation)